here i think the cyclical tone in the market continues 14 analysts covering it, two buy ratings, breaking out you have an eight-month range i think it goes higher. >> guy >> biogen from june until now, ahead of earnings on wednesday >> see you ♪ my mission is simple to make you money. i'm here to level the playing field for all investors. there's always a bull market somewhere, and i promise to help you find it. "mad money" starts now hey, i'm cramer. welcome to "mad money. welcome to cramerica other people want to make friends, i'm just trying to make you some money my job isn't just to entertain you but to educate and teach you. call me at 1-800-743-cnbc or tweet me @jimcramer. can everything go up at the same time like last week short answer, no

that would be insane when every asset goes up at once, my antenna go up with them tsunami of trouble inching towards what is usually strongest period of the year, understand why last week's bullishness can't have that much staying power. short-term -- not even, just persists dipped today advanced and nasdaq gained wow. under the surface tons of reactions that don't make sense away from the mastock market i wake up unreasonably early, better than not going to sleep at all though i do that somewhat regularly. there's a reason we didn't name

the show "well-adjusted money. so this morning, up like always, relentlessness to it, makes you feel like a rally -- not rally but ordination because oil is being anointed as chosen asset price of wti crude reached nearly $84, too high for my taste, not just because it bizarrely traded below zero last week high oil prices are a tax on the system if you looked at it through "mad money" prism, oil stocks make up less than 10% of the s&p 500, roaring, causes nothing but trouble for other 90%. relentless increases, oil's rise not impacted stocks of the big energy consumers, buoys the stocks of the energy producers airlines and travel -- they're doing fine

stocks been incredibly strong, especially the hotels. if you overlay marriott over oil they appear same doesn't make sense should rally at the same time you could argue that covid means people are so eager to go out, don't care about the cost of gasoline throw in uber, whatever. but oil is inimical to the transports, ultimate energy user but their stocks acting well too, shouldn't be happening. zro sum game when oil wins, transports lose and that's just the visible conundrum. inflation iceberg is here and people are ignoring it

fortunately some oil companies have started breaking and aggressively don't want to miss out on the higher prices. going to start happening need to contain the price. iran, iraq, venezuela and mexico, tapped out saudis gave it a high dive iden. russians are thrilled making fortunes but not going to flood the market if americans don't boost production nobody else is going to come through. oil could go higher, saying $100, but that maybe prices itself out, causes destruction that would be lose/lose we're worried about, oil strangled whole economy. hasn't happened yet but could. if you want rest of the stock market to keep climbing, oil needs to top going higher, otherwise toast. point of sale that everybody loved i think is going lower

sane market goes higher in stair step fashion with weak speculators wrenched out every stop of the way. bitcoin, above $6060,000, what e it mean? cryptocurrencies have come unstoppable. even as someone who likes them, they're the definition of rank speculation and rank's bad could argue they're roaring because people want insurance against inflation, i think people want in ahead of time if i'm right, tomorrow could be the peak for crypto. that's why i sold off 1/8 of my position today i would sell it all if i had confidence it was top but i don't. too big of a win for me. feeling greedy, that's never good if this frothy crypto rally

keeps going, put expiration date on the rest of the market. can't keep climbing. doesn't it feel like greater fool theory, you have to hope that someone more foolish takes you out of the trade at higher level? and big tech doing its thing, seems unstoppable. heard that fang, the symbol for diamondback energy or netflix off "squid game" or apple off new products, amazon, there's plenty of enthusiasm for fang no matter what. best example, uncanny move in facebook hardly a day goes by without more shocking revelations, doing horrendous things to boost use, maybe getting used to shocks getting over them. look at today. business remains strong no matter what the press does could do a 50-part series about

facebook making -- doing social negatives and wouldn't matter, stock keeps going higher housing, zillow was pulverized but the builders had one of the biggest days in ages so bizarre, makes me nervous argue that zillow's problems are specific more on that later something is wrong, one of these has to be wrong. i just don't know which. i think probably if you had to ask me, home buyer because interest rates moved up but not enough to tamp down on the home buyer doing well because the stock market is up so much. nearly everything that goes into a house is short supply and getting more expensive, is especially appliances. could have a run against

housing. eaten by inflation but highest growth tech stocks are roaring too. should be house of pain when people are afraid of inflation, always been the case supposed to be weakest stocks in the book but look at the stocks, it's as if they're unmoored from conventional wisdom. unless wage inflation is so out of control, need software to do more with less highly paid employees. maybe because they create more productivity could go on and on how you should worry when you see lots of things not supposed to happen at the same time or maybe we're in a world we can have our cake and eat it, too. but seems glib to me something has to give, don't know whether it's oil going

down, stocks going up, something has to change. not everything can work at the same time. past demonstrates this moment cannot last forever. let's go to stephen in new york. >> caller: hi jim, honor to be speaking with you. big fan. >> what's going on >> caller: been investor in regeneron for three years, follow it closely and listen to the conference calls, therapeutics for eyes and skin and obesity and lung and cervical cancer. covid cocktail is saving lives and proven to work prophylactically dropping from highs in 600s to 540. everything i read says business is going to continue to grow even without the monoclonal

covid treatment. i know you spoke about them. can you provide insight what is happening with them? >> all the health care stocks. bristol meyers, stock has been mauled merck got good news about pill for covid. regeneron is great long-term, wouldn't budge if i owned it doing good job right now bob in florida >> caller: boo-yah, gym. st. pete, florida, gateway to heaven how are you? >> true but also never rains there, like that, too. how are you? >> caller: not too good, stock that's been down, 40 out of the last 55 trading days >> wow >> caller: talking about a stock that has helped mankind worldwide coming out with earnings in two weeks, the stock

is half of its high. i'm talking about pfizer pfe. can you give me input please >> speak about health care stocks, all have been under pressure i think pfizer will be protected by almost 4% yield call me a buyer, not seller of pfizer we're all going to need boosters and they got them. conundrum i have for this market is everything can't go up at the same time. something does have to give. we can't just have this opposites not attracting on "mad money" tonight, called in last week and stumped me on accolade i'm turning in homework on the company trying to personalize the health care space. and what sectors worked, looking for continued gains? checking out one with a

continuous run towards the clouds and deluxe has transformed itself billion dollar acquisition of first american what could the future hold and why are the stocks so low? talking to the ceo stay with cramer >> announcer: don't miss a second of "mad money," follow @jimcramer on twitter have a question? tweet cramer, hashtag #madtweets send an e-mail to madmoney@cnbc.com or give us a call at 1-800-743-cnbc miss something? head to madmoney.cnbc.com. this is wealth.

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before we get dragged into the heart, averaged more than 100 quarterly report birthdays got a call from chatty amateur comedian who asked about accolade, beloved by the analyst community. i didn't know much offhand h tho get back to him. got research ready to circle back, trying to be proactive responding to homework items quickly. we get caught up, they're good and we end up too late that's why focus on accolade tonight. interesting company. personalized health care tech. those companies help employers save on benefits giving employees a single place to turn for health and benefit needs nurses, doctors, pharmacists and

behavioral specialists uses machine learning to connect people and reduce costs, produce better outcomes. so far so good can build relationship with people to guide them to making smart decisions like getting annual physicals, steer them away from unnecessary expenses like emergency vehicle visits. i can see the appeal american health care system is ridiculously difficult to navigate, even with good insurance. having one-stop-shop that helps you figure out benefits, too, exactly what we need no prize that analysts love this thing, bunch of buy, according to needham, barely scratching surface of the adjustable market, tam. 0.5% of the market employers who cover their own

health insurance costs needham believes can grow 40% or faster long-term with growth margins. 12 analysts cover t every one has a buy on the stock accolade is also beloved by kathy wood and her team. they're great at identifying turbo charged growth stocks although they a bad habit of doubling down when the market turns against growth arc investor is top shareholder, own more than 8% of the business statement. despite all that, accolade's stock, it's been a -- that's right -- a real dog since it peaked in the summer back to 39 when i see a stock floundering when it's universally loved, i got to tell you, doesn't inspire my confidence. so what the heck happened to accolade, what is going on here?

when this company came public in july of 2020, ipo market just reopened after frozen in worst period of the pandemic big jump, pulled back to close under 30 huge for anyone who got in on the deal accolade delivered strong earn lgz ings out of the gate but broke out last december as temporary growth stock renaissance accolade gets thrown into the meat grinder, the first one they throw away, plunged from 55 in july to 401 1 1/2 weeks ago roughly 39 now thanks to last week's explosive market wide rally. that's the trajectory. i see two problems with accolade

and they're not small. first the health care technology cohort has gone out of style in wall street fashion shows. and market has turned against fast growing companies with no earnings last year beloved, this year greeted with skepticism. time of aggressive inflation and rising interest rates, wall street loses interest in growth stories about money many years down the road. future earnings are simply less valuable if they're eroded by inflation. typically that's technology but this is health tech. teledoc, almost cut in half since the merger a little over a year ago and it's good telemedicine play. and down 66 to date and new age

managed care public 39 in march, now trades less than 15 or one medical, a lower cost concierge ervice, down 50% for the year, you need a concierge when you have stock down 50%, that's plain terrible. last but not least, most reminiscent of accolade is share care another former spac trading $6 and change we talked to the ceo, it's already down but i thought he had a decent story can still make a comeback but accolade, the trend is not your friend performance, this year made two positions, second, m.d., excellent medical opinion play, and health care, virtual primary and mental health care

spent roughly $900 million on both deals large stock component and wall street doesn't like them april 2021 not best time to get into the business. doesn't help after they bought second, m.d., first two quarters, solid numbers, but beginning in may managers got into habit of more disappointing forecasts. on top of that, owners per share numbers, losses per share, looking increasingly ugly. so i need to see more stabilization before i stick my neck out on that if you really want a good health care, go with goodrx, it's pharmaceutical coupon with virtual care, benefits for employers and very good app i

downloaded being profitable and linkedin for doctors stock and finally if you want to sleep, united health, just had a blowout quarter, terrific data division on top of the core insurance. wow, sometimes it's worth the whole company. don't try to be a hero with accolade, it's too healthy in market against health tech if you want something tried and true, united health. stick with cramer. >> announcer: coming up -- is the cloud cohort ready to open up for sunny days ahead? cramer gets to bottom of a group that's looking tops, next.

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last week practically the whole market exploded higher that's unusual paradoxical situation. normally there's strength in leadership groups that have mutually exclusive that's been the way it's been for years. so what is next group to take mantle of leadership going off the charts with tim collins, brilliant technology w who i've known for years fast growing cloud stocks, could be looking at market led by tech, not something many people are expecting. some want to be led by oil, some think industrials, but not this kind of cloud tech in particular he likes -- wow, really come into favor that was out -- snowflake, a high flying

data analytics stock and service now, the cloud king helps business automate technology and back office jobs. usually don't work when wall street is terrified of inflation as they are now. perhaps we have to make an exception. those that allow businesses to save money on rising wages but makes lots of jobs redundant what can we learn? bill mcdermott's company start with snowflake after rough spring, collins points out having a banner year. stock enjoying orderly climb from low 100s to mid-300s. very quiet, giving you nice pattern of higher highs and higher lows, what charters love to see healthy rally on your hands.

first glance collins thinks it's well-defined channel, should be a buyer around 310 and seller 355. but 330 in middle of the range, almost get ready to sell however there's something that caught collins' eye here, what is going on with indicator we've never talked about, parabolic stop and reverse parabolic stop and reverse see the gray areas of the chart? faint but can make them out maybe. shows you what is going on with the parabolic stop and reverse p-sar. when it's within the shaded areas, that's bearish. goes up to bullish interesting parent has emerged psar will spike in given session, single week,

embarrassing but pulls back to bullish reading again and resumes. three times now, once a month nearly if pattern holds, could be not contained at 355 but maybe above to ceiling at 360 and pulls back before thanksgiving is his guess. longer term collins thinking that snowflake could break above 400 because of the pattern he recommends buying and holding on to it although got usual caveats that technician has more on pull-back if doesn't break below the floor of 310 negative another stock i like, collins sees this as more blatantly positive service now has pulled back from highs and that's created a flag

pattern. see that a flag pattern, also a continuation pattern after consolidating, liking to resume going higher. look at trend to continue. collins points out before the consolidation, was moving steadily higher and in august, pow, explosion up side but past few weeks, orderly pull-back right here, creating a series of lower highs and lower lows, that's important for a few weeks in tight channel trending lower when the whole market roared, service now broke out of the unusually bad channel for this stock. previous ceiling of resistance has become a new floor of support. was the ceiling, now it's the floor. stock at 666, sign of the devil.

where can it go from here? new resistance around 680, previous all-time high might need to make a few pushes before it clears the hurdle at 680. if fails to pull out, pull out won't get nervous until 610 and back away until mid 500s collins believes it's heading higher, continuation pattern so important. before it breaks out above 680, he thinks 750, smooth sailing and i agree with him i think this company is having a terrific quarter bottom line, charts by tim collins suggesting fast growing cloud stocks like service now and snowflake are ready to roar. labor saving software companies can keep working even if rest of tech falls out of favor because

of inflation mary ellen in new york >> caller: hi, how are you >> good, you >> caller: doing great, thanks. >> what do you got >> reporter: regarding ibm stock, lot of it turning into kindrel and worked for ibm and not there with resource actions, et cetera and have a lot of stock in it obviously. what is your best advice for me? sell it all and get out -- >> no, no, no. congratulations to kyle wapner, anniversary. but talking about ibm saying things are wrong but i think doing a lot of things right. i understand that might say he's spinning off one division and bulking up another i think they have good hybrid

cloud strategy not a disbeliever. lou in california. >> caller: hi jim, been a fan over 20 years, first saw you as reverend jim bob on the church of what's working now and guest host on squawk >> the late mark >> caller: i miss him. you had a segment on the 5g stocks, all have done extremely well skyworks is off more than 20% from all-time high what's going on? >> i think people feel that skyworks is too cell phone centric, i think it's made acquisitions and trying to get beyond that. i have to tell you, i think you can buy skyworks here, griffin is going to do good job. i like it very much. tonight's charter says snowflake and service now could be ready

to take off. i think it makes a ton of sense. more "mad money" ahead and deluxe, how has it expanded to be with 4 million small businesses and why is it doing poorly of late housing industry is showing cracks in the foundation, what i'm seeing and why the latest headlines are disconcerting, and then rapid fire lightning round. stay with cramer

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contrary to popular bleevgs

you bel belief, you can teach a old dog new tricks transformed the business into financial technology deluxe, a data and cloud service business and old legacy check operation, just a third of the sales but huge cash flow one part vin tech and one part vendor for financial institutions announced important acquisition, first american payment systems but since closed over the summer, stock is down, selling less than eight times earnings valued only $1.6 billion, just spent 900 -- they got to figure out if it's incredible bargain let's check in with ceo. mr. mccarthy, welcome back to "mad money." >> hey jim, great to be with you. >> so barry, $960 million on a company that does make you in

front of a lot of customers. but still valued $1.6 billion as if you didn't do anything. up 30% for the year but what are people missing about the new deluxe >> in the opening you were really clear what the new deluxe is all about it's becoming and are trusted payments and technology company and payments now rivals check business for scale incredibly great footprint and well positioned for accounts receivable, payable and small business cash management we think the market has yet to catch up to our story and we're working on it. >> largest business from the conference, most excited about the data business. in this business we help banks help identify their next customer how do you do that >> first of all, our biggest

business we're most excited about is payments business focused on digitizing electronic payments for accounts receivables, payable and disboursements helping identify the next customer to target, advanced ai tools with data to turn out quality, high converting lead list for a financial institution. they know where to target their marketing dollars to acquire the customer >> is it restaurants, hardware, travel and leisure or wealthy individuals >> can be all of the above lead list we create depends on the request from the financial institution. sometimes it's consumers for a

credit card, deposit account or cds. sometimes it's small businesses. tools we have help target those customers very tightly so that the fi knows who to target market to. >> we have a number of companies, including toast, white speed, companies that do point of sale. trying to figure out where your company fits in there. are you reselling clover is that the one you represent? >> clover is a terrific device but we represent different devices. what we offer is a comprehensive solution for small business. so far example we have a scaled hr and payroll solution that targets low end of the market that isn't chased very hard by biggest players. we combine with credit card acceptance from first american by deluxe and we have a compelling offer for small

businesses it's a giant market, as you well know, jim. with great secular growth trends and first american is well positioned in a variety of segments, and we're leveraging those for growth already. >> if everything goes right, this time next year, you expect accelerated revenue growth >> we do envelope math on the first american acquisition, deluxe supports 4 million small businesses and first american has 150,000 small businesses and 120 or 130 bank partners and deluxe has 4,000 just a little bit successful bringing first american to the existing customer base, we have the opportunity to help the business grow remarkably. >> and checks never went away, there are uses for checks that people like that have advantages over credit cards. >> i think you're right.

but we have never said checks are growth business but they're a great cash flow generating machine. and durability of cash flow through covid crisis proved itself to be true. also grown market share in the check business to help slow the secular decline for the business we posted growth in the second quarter. but check, business to business payments, there are no viable substitutes, will be around a long time, great news for cash flow for deluxe and shareholders. >> look forward to all the businesses with more cash flow and growth accelerate. i think your stock at $1.6 billion is an oddity versus what you paid for very good company thanks barry mccarthy. good to see you, sir. >> thanks. >> "mad money" will be back.

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michigan >> boo-yah back. >> caller: asking about dvm, published phase three data on multikind and only one was good. do you think they'll get fda approval >> these companies have nine lives, immuneotherapy companies. need growth. jason is california. >> caller: endeavor to acquire open bets. >> that's a good idea, it's my agency so take with grain of salt but stock seems inexpensive and there's a return to entertainment. lot of people feel it's too crowded. anthony in vermont >> caller: hey, how you doing? >> okay. how about you? >> caller: very well, curious to

get your take on community health. >> everybody wants to boy that or tenet, should be buying hca which is going to bull doug in california. >> caller: yeah, jim, thanks for taking my call. >> what is up? >> caller: few months ago took pick position in zoom info technology at 42 reason i'm calling, what do you know about the company, is it a buy, hold or sell, thank you >> i think companies look to me a lot like sales force bunch that look like sales force. lot of them are good, zoom info is good. i'm a sales force guy. travel trust zones if you follow what we're doing in cnbc investment club, see why i like it more than any of

these. joel in pennsylvania. >> caller: how are you >> great, how are syou? >> caller: explain thoughts on mogo >> free credit score, says to me, intuit, one you should be in, intu, don't miss quarters, keep coming on, do a fantastic job, that's one i want you in, intuit alexander in california. >> caller: jimmy chill >> in the house. what's happening >> caller: i had a question regards to a stock, ticker symbol dngo. >> controversial okay this is one of those stocks, the volume such i think it feels like mean stock. say something bad, people in it will say jim, you don't know but dates tack giant speculation biotech. if you want to be in one of

those, could go down 50%, up 50%. paul in massachusetts. >> caller: boo-yah, jim. so i have been treading water with blade, blde love the company and kathy behind it. your opinion >> we praised it, did a piece. i've used it, terrific service, yes, i paid for it, lest anyanyone think i didn't but stock is stuck because cohort is stuck. just ipo, would be a $15, $16, but isn't so very hard to get off the schneid, even as a lot of people feel it's got a good business model s sharif in ohio >> caller: how you doing >> fine, you >> caller: well as well. butterfly network. >> another one, they have machines that work, that are --

you know, solar stuff. it's not working, what can i say? just not working that ladies and gentlemen is the conclusion of the lightning roun [ buzzer ] >> announcer: the lightning round is sponsored by td ameritrade coming up -- is the housing sector quaking on a shakey foundation cramer heeds the warning signs to help keep your portfolio safe at home, next. i'm searching for info on options trading, and look, it feels like i'm just wasting time. that's why td ameritrade designed a first-of-its-kind, personalized education center. oh. their award-winning content is tailored to fit your investing goals and interests. and it learns with you, so as you become smarter, so do its recommendations. so it's like my streaming service. well except now you're binge learning. see how you can become a smarter investor with a personalized education from td ameritrade.

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what i am worried about, housing. there are signs it's starting to crack and would be a huge problem. far too important for the economy. regular viewers know i'm optimistic about home builders and housing in general as prices zoom higher and mortgage rates low. pretty good buy. but got a spread from bloomberg, zillow and e-commerce real estate paused business beyond operational capacity isn't that cryptic could mean too much inventory, can't move it fast enough, or

technical difficulties finding homes to flip quickly. i checked in with ivy zellman, best housing analyst in america. inputs are bad, are staggering new home orders turned down. plywood up 140%, insulation 5%, ceiling 18%, labor 10% to 25%. and lead times as you've seen with remodeling, insane, cabinets taking six to eight months, used to be three roofing is 12 to 16 weeks. siding up from one to two. insulation is down seven wait for appliances. appliances have gone from two weeks to seven or eight weeks. wow. trying to build a house, selling it without appliances? everything housing is getting

precarious home builders paying for land or selling at higher prices but can't keep costs down or get materials in timely manner zillow buy and flip, maybe that's not a good strategy sitting on homes fixing them up for many more months many markets are hot phoenix, boise, austin, dallas, carolinas, the home builders furiously trying to build to keep up. that's a dangerous sign. some builders want us to believe it's in secular growth mode, nothing transient about the demand if mortgage rates stay low, i'm with them. many areas are dramatically underhomed in this country, but if interest rates rise could be a housing glut, bad news for

economy. seeing signs, rocket and uwm holdings seeing stocks slide even as business is fine suggests that investors are discouraged about the future maybe prices come up too far too fast and out of new buyers if they vanish as the builders have more houses and interest rates higher, will see a nasty decline in the housing market. won't be like great recession, americans have better balance sheets these days. but investors could be hurt selling all at once. when ivy is worried, you should be worried she's written a tremendous new book "give me shelter. she's calling for steep decline in housing not good anything close to real estate collapse -- she's first to admit

some areas are doing well but it's concerning. i'm going to turn more bearish on housing we're not that worried yet, but long-term interest rates prepar. time to be caution there's always a bull market somewhere and i promise to find it for you right here at "mad money. i'm jim cramer see you tomorrow they went to help children in desperate need, and then they got taken in a country in crisis i'm shepard smith. this is "the news" on cnbc. americans kidnapped in haiti. missionaries and five children taken by one of the country ice most notorious gangs. >> it is like living in a war zone. >> fbi agents on the ground as friends and family bought for answers. >> the world lost one of the greatest leaders that we have ever witnessed. >> colin powell, a four-star army general, the first black secretary of state and chairman of